| Agriculture is the first industry, providing the basis of product to support the national economic construction and development, so the development of the rural economy affects the overall economic development of China. In the whole process of the development of rural economy, finance is the indispensable presence of its rural financial markets; finance plays a key role to allocate capital elements. To strengthen the construction of new socialist rural areas, strengthen the common development of urban a nd rural areas, reciprocal symbiosis, and collaborative development, and promote the sustainable development of the "three rural" is inseparable from the support of rural financial service. "Three rural" development as a key works in the current our country government to deepen reform, determine the quality of life of the broad masses of farmers, and determine China’s future development and the realization of the "China dream". Therefore, to speed up the pace of rural financial reform appropriately, to carry out the policy of “three problems about countryside, agriculture and farmers” and rural development for a long time, has the very strong theoretical and practical significance. However, rural financial mechanism of China has indeed undergone great changes, also continued to deepen the reform efforts, but it cannot be ignored in Inner Mongolia because of their specific conditions, the level of financial development in rural areas is still relatively backward. Inner Mongolia affected by the level of economic development, natural conditions and other factors, rural financial development is still at a low level, lack of financial supply; especially in rural areas credit is insufficient obviously. Current finance haven’t reach the best state, is not very good communicate for ethnic minority areas like the Inner Mongolia autonomous region designated by the relevant financial policy, this is not as well as in the first place at the right time to strengthen the rural financial reform, at the same time, strengthen t he agricultural industrial structure upgrade, level of economic development and social progress in rural areas have been affected.This article in view of the insufficient supply of rural finance in Inner Mongolia, first carry a systematic theoretical analysis to the symbiosis theory, gives the theoretical framework of this article. Based on the perspective of financial symbiotic, make the research on development of rural financial in Inner Mongolia systemic. Reference on the research results of the financial theory and the development of rural financial theory, from banks and non-for banking financial institutions, to study the current situation of development of the rural finance from the perspective of financial symbiotic, then do the symbiotic analysis to the development of rural financial in Inner Mongolia. The paper raised the insurance company, loan companies in rural areas, analysis the present situation of its collaborative development. Judging from the perspective of the theory, banks and non-for banking financial institutions generated by the combination of effects could be far greater than their respective development. At the same time use statistical software-Eviews for empirical analysis, and combined with empirical analysis and present situati on analysis found that: At present, although the bank and non-bank financial institutions in the rural financial markets of Inner Mongolia have cooperation, but the extent is not deep enough and the lack of comprehensive cooperation mechanism. The level of rural financial development in Inner Mongolia is still in the primary stage of development, cannot achieve the goal of sustainable development of rural finance temporarily. This paper under the perspective of financial symbiotic, from three aspects--optimizing symbiotic unit, perfect symbiosis model and symbiotic environment enhanced, then gives suggestions related to rural finance development in Inner Mongolia. |
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